CREDIT
CARD CHARGES
FINANCE CHARGE is
calculated at the daily percentage rate on the Average Daily Principal
Balance of purchases and cash advances in the account.Cash advances are always subject to FINANCE CHARGE from the date
they are posted to your account.The Principal Balance of purchases and cash advances are
determined each day during the statement period, beginning with the
principal portion of your Previous Balance, reduced by payments you make
and credits we apply, and increased by purchases and cash advances you
make and debit adjustments we make during the statement period.The Daily Principal Balances are totaled, and divided by the
number of days in the statement period, to produce separate Average Daily
Principal Balances for purchases and cash advances to which the daily
percentage rate is then applied.

COMPUTATION
OF YOUR LOAN BALANCE AND LOAN FINANCE CHARGES:The balance on which the finance charge is computed is the
actual unpaid loan balance each day after credits are subtracted and new
advances or other charges are added. The finance charge is computed when
you make a payment.For each
day since your last payment the unpaid balance in your account is
multiplied by the corresponding daily periodic rate.The sum of these charges is the finance charge you owe on the loan
account.YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USEThis
notice contains important information about your rights and our
responsibilities under the Fair Credit Billing Act.

Notify Us In Case of
Errors or Questions about your Loan Statement

If you think your loan statement is wrong or if you need more
information about a transaction on your statement, write to us on a
separate sheet at the address listed on your statement.You should write to us as soon as possible.We must hear from you no later than 60 days after we sent you the
first statement on which the error or problem appeared.You can telephone us, but doing so will not preserve your rights.In your letter, give us the following information:

Your
name and account number.

Dollar
amount of the suspected error.

Describe
the error and explain, if you can, why you believe there is an error.If you need more information, describe the item you are unsure
about.

If
you have authorized us to pay your credit card bill automatically from
your share savings or share draft account, you can stop the payment on any
amount you think is wrong.To stop the payment your letter must reach us three (3) business
days before the automatic payment is scheduled to occur.YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR
WRITTEN NOTICE

We must acknowledge your
letter within 30 days, unless we have corrected the error by then.Within 90 days, we must either correct the error or explain why we
believe the statement was correct.After we receive your letter, we cannot try to collect any amount
you question or report you as delinquent.We can continue to bill you for the amount you question, including
FINANCE CHARGES, and we can apply any unpaid amount against your credit
limit.You
do not have to pay any questioned amount while we are investigating, but
you are still obligated to pay the parts of your statement that are not in
question.If we find that we made a mistake on your statement, you will not
have to pay any finance charges related to any questioned amount.If we did not make a mistake, you may have to pay finance charges,
and you will have to make up any missed payments on the questioned amount.In either case, we will send you a statement of the amount you owe
and the date it is due.If you fail to pay the amount that we think you owe, we may report
you as delinquent.However, if our explanation does not satisfy you and you write to
us within 10 days telling us that you still refuse to pay, we must tell
anyone we report you to that you have a question about your statement.And, we must tell you the name of anyone we reported you to.We must tell anyone we report you to that the matter has been
settled between us when it finally is.Special Rule for Credit Card Purchases
If you have a problem with the quality of goods or services that you
purchased with a credit card, and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the remaining
amount due on the goods or services.You have this protection only when the purchase price was more than
$50 and the purchase was made in your home state or within 100 miles of
your mailing address. These
limitations do not apply if we own or operate the merchant, or if we
mailed you the advertisement for the property or services.

IN
CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
Telephone us at (304) 748-8600 OR (800) 427-4835 or write us at P. O. Box
762, Weirton, WV 26062 as soon as you can if you think your statement or
receipt is wrong, or if you need more information about a transfer on the
statement or receipt.We must
hear from you no later than 60 days after we sent you the FIRST statement
on which the error or problem appeared.

Tell
us your name and account number (if any).

Tell
us the dollar amount of the suspected error.

Describe
the error or the transfer you are unsure about, and explain as clearly
as you can why you believe there is an error or why you need more
information.

If
you tell us orally, we may require that you send us your complaint or
question in writing within 10 business days.
We will investigate your complaint and will correct any error promptly.If we take more than 10 business days (or 20 business days for
foreign-initiated transactions and all transfers resulting from
point-of-sale debit card transactions) to do this, we will re-credit your
account for the amount you think is in error so that you will have the use
of the money during the time it takes for us to complete our investigation.

To
Balance/Reconcile Your Checking Account1.
Record all the transactions you have made in your check register.2. Compare
your statement to your check register.Mark off all the transactions that have cleared.List and mark in your register any unrecorded transactions that are listed on this
statement.3. Make a
list below of the items appearing in your check register that are not on your
statement (these are called Outstanding Items).
4. Total the outstanding items listed below.
5. Use the
Balancing Worksheet below to adjust your statement balance.
6. If your
adjusted statement balance calculated below does not agree with your check
register:

Recheck
the amounts listed on your statement to the amounts you entered in your
register.

Check for addition and subtraction errors in your checkbook register, and
the reconcilement process.

7.
If you have any questions after step 6, please contact our Member Service
Department at (800) 427-4835.